Here is how you can open bank account even if you don't have any valid document - Aadhaar card or PAN

Although valid documents for KYC (know your customer) is necessary to submit if you wish to open your account with a bank. But you should know that under certain conditions, you are allowed to open a small account with the bank without having valid documents, according to the Reserve Bank of India, which in August 2014 had already clarified. 

The RBI, which had simplified KYC measures for public awareness, had released a note along with a poster to bring awareness among general public about the KYC simplification measures to help the common man in opening bank accounts.

It had stated that "Those persons who do not have any of the ‘officially valid documents' can open "Small Accounts" with banks. A "Small Account" can be opened on the basis of a self-attested photograph and putting his/her signatures or thumb print in the presence of officials of the bank. 

However, it very clearly stated that "such accounts have limitations regarding the aggregate credits (not more than Rs 1 lakh in a year), aggregate withdrawals (nor more than Rs 10,000 in a month) and balance in the accounts (not more than Rs 50,000 at any point of time)."

Further, such accounts would be valid normally for a period of 12 months, thereafter, such accounts would be allowed to continue for a further period of twelve more months with certain condition.

"If the account-holder provides a document showing that he/she has applied for any of the officially valid document, within 12 months of opening the small account," the RBI added.

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In such cases, account holder need to submit officially valid documents for KYC purpose, The document required include a passport, driving licence, voter ID card, PAN card, Aadhaar letter issued by UIDAI or Job Card issued by NREGA signed by a state government official.